Repair Credit Report Help

ive fixed my credit report and gotten bad things off of it, how do i update it with the other 2 bureaus?

ok after many months of fixing and cleaning up my credit report, it is now good, how do i make the other 2 credit bureaus update there files with my clean one at the other one? thanks

Public Comments

1. GreenPath
2. The same way you cleaned up the first credit bureau report!
3. It all depends how you cleaned up the accounts. If you only distputed with one CRA then you will need to take the same proceedure for the other two CRAs. NEVER SEND YOUR REPORT TO THE OTHER COMPANIES. EQ,EX & TU Do not share data. You should never share your report with the other companies. If your dispute was to TU for example and after the dispute period expired (30 days) and TU removed the derogatory information. TU will not notify EQ & EX. You will need to dispute with EQ & EX separately. BTW EQ & EX do not care if TU removed the data, their job is to verify what they have with the Trade Line on the report they have on you. Now if you got the derogatories removed by the creditors reporting, then you need to send a letter to the creditor thanking them for removeing the derogatory on the one CRA, but also letting them know that the other two reports are still reporting the account as derog. If you are engaged in repair then you need to sign up for a service like True Credit so you can monitor your report DAILY. Between the monitoring service and your ablilbty to pull a new report each day you can better track your progess. When you pull your own report from a service like True Credit, that is a soft pull and it has ZERO impact on your score. Also note that these third party monitoring services give you scores. These scores are FAKOS not FICOS; they are not accurate.
4. Actually you should not have to do anything, under the F.C.R.A. if the information is found to be incorrect, the CRA must notify all nationwide CRAs to correct your files.
5. All depends on how you did it with first one. If your creditors fix it through there reporting department, then probably the other bureaus updated their files too. When you submitted the proof that the records in your report are wrong by yourself, you need to work it out the same way you did it with first bureaus. Sometime inter-agency rules can make this process much harder that you experienced before. Anyway, I highly recommend you to obtain your new reports from each bureau before you move forward. It might save you some time and efforts.
6. You have to go through the entire process all over again. They do not update their files to reflect what the others have done.
7. Spiff is incorrect on this one...the only requirement credit reporting agencies have to notify other in the event of an identity theft report. Just challenging it isn't a requirement. Remember, each of the 3 agencies are completely different, competing companies. They do not share information, and do not use info from other agencies to supplement their databases. To clean up the other credit reports, you must send disputes to each agency and dispute the information.
8. Studly is correct. It is quite common for folks to have differing information on the different credit reports. You'll have to follow the same steps to clean up your other reports. It takes time, but is worth it. Best wishes.
9. are you kidding me? Why would the other two be any different than how you did the first one.